[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.mkhlawyers.com\/blog\/flood-insurance-claims-for-residential-properties-in-florence-al\/#BlogPosting","mainEntityOfPage":"https:\/\/www.mkhlawyers.com\/blog\/flood-insurance-claims-for-residential-properties-in-florence-al\/","headline":"Flood Insurance Claims For Residential Properties in Florence, AL","name":"Flood Insurance Claims For Residential Properties in Florence, AL","description":"Recent flooding on the Tennessee River has displaced homeowners and causing massive water damage to their homes. In fact, The Tennessee River at\u00a0Florence, AL\u00a0hit approximately 31 feet, making it the 2nd highest level historically, where flood level is 18 feet. The Times Daily sites Jason and Jennifer Cross, who \u201chad probably 3 inches of water […]","datePublished":"2019-02-26","dateModified":"2023-02-12","author":{"@type":"Person","@id":"https:\/\/www.mkhlawyers.com\/blog\/author\/mkhlawyers\/#Person","name":"Morris, King & Hodge, P.C.","url":"https:\/\/www.mkhlawyers.com\/blog\/author\/mkhlawyers\/","identifier":5,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/38a1bef1cc504d6ac53a70fba6d816619396c7ccf235a11db558f4a965e66365?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/38a1bef1cc504d6ac53a70fba6d816619396c7ccf235a11db558f4a965e66365?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Morris, King & Hodge, P.C.","logo":{"@type":"ImageObject","@id":"https:\/\/www.mkhlawyers.com\/wp-content\/uploads\/2022\/10\/mkh-logo.png","url":"https:\/\/www.mkhlawyers.com\/wp-content\/uploads\/2022\/10\/mkh-logo.png","width":412,"height":78}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mkhlawyers.com\/wp-content\/uploads\/2019\/02\/black-and-white-clear-cool-459451-scaled.jpg","url":"https:\/\/www.mkhlawyers.com\/wp-content\/uploads\/2019\/02\/black-and-white-clear-cool-459451-scaled.jpg","height":1740,"width":2560},"url":"https:\/\/www.mkhlawyers.com\/blog\/flood-insurance-claims-for-residential-properties-in-florence-al\/","about":["Community","News"],"wordCount":485,"articleBody":"Recent flooding on the Tennessee River has displaced homeowners and causing massive water damage to their homes. In fact, The Tennessee River at\u00a0Florence, AL\u00a0hit approximately 31 feet, making it the 2nd highest level historically, where flood level is 18 feet.The Times Daily sites Jason and Jennifer Cross, who \u201chad probably 3 inches of water in our entire house when [they] left.\u201dAccording to\u00a0WTVY, with 43 spillway gates, the Wilson Dam near Florence, Alabama is releasing approximately 2 million gallons of water per second. They have water being stored in the tributary and reservoirs in hopes of reducing the flooding downstream.View photos and videos of the flooding here on\u00a0AL.com.How to Start a Flood Claim?Fema.gov offers a flood claim guide here.\u00a0Here are a few highlights to note:What to Do?Determine Your Flood Loss and Report Your ClaimStart Cleaning Up, But Document DamageFile For Federal Disaster AssistanceWhat Information Will You Need When Filing Your Claim?Policy Declarations PageHow You Can Be Reached?The Insured Property LocationName of Mortgage CompanyPrepare For Your InspectionGet the make, model, and serial number on all appliances \u2013 washer, dryer, hot water heater, kitchen appliances, tv, computers, etc.Get samples of carpet, wallpaper, drapes, flooring, etc.Throw away items like food, clothing, cushions, after you have documented them via photographs.Contact needed repair services if electrical, water, HVAC systems are damaged. *Don\u2019t contract them to clean or repair without approval from insurance company.About Flood InsuranceWhen floods happen, many people don\u2019t know where to turn for help. After calling your insurance agent, you may be told that insurance only covers the damage to your home and not your personal property \u2013 or that your insurance doesn\u2019t cover floods at all. In these cases, it is important to contact a Florence Flood Insurance Attorney who can help walk you through the process.For most, the truth is that they do not have flood insurance or not enough coverage because they believed they were not in a \u201cflood zone.\u201d Many times, the insurance agent did not properly inform homeowners about flood coverage, why it is needed, or make it known that their home was at risk of flooding.Insurance Company Wrongfully Denied or Undervalued Your Flood Claim?Insurance companies are known to almost always offer less compensation than you deserve for your damages. Many times they are only offering a settlement for the surface level damages and not considering the hidden effects of flooding in your home. If you believe that your insurance company is offering less than what your property and possessions are worth or are completely denying your flood claim altogether, contact Morris, King & Hodge, P.C. The attorneys at Morris, King & Hodge, P.C., are here to support our Florence community. If you have questions about flood insurance, contact us\u00a0by phone or online today."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.mkhlawyers.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Flood Insurance Claims For Residential Properties in Florence, AL","item":"https:\/\/www.mkhlawyers.com\/blog\/flood-insurance-claims-for-residential-properties-in-florence-al\/#breadcrumbitem"}]}]